Originally Posted by mark123
I think insurance is one of the biggest scams in history. You pay more than you should and then when it comes time to use it they deny your claim or limit it to make it not worth having. Scam.
The hospitals aren't much better. Don't forget about all the bills they send you for things that they have already
received payment for from the insurance company, or for things that you clearly have no obligation to pay.
Stop and think for a second about how much money they make from people PAYING a bill they do not owe. It gets complicated, and many people see "Amount Due" and assume that they must owe it. They wouldn't have a bill otherwise, right? It's downright disgusting.
My wife had disc surgery on her neck - AUTHORIZED by the insurance company, I might add. Several months later they sent her a big old nastygram stating that after further review, they were reversing their decision, and she was now responsible for full payment of the surgery, hospital stay, pre-op visits, etc.
It took MONTHS of back and forth and all sorts of headaches to get it straightened out.
And to answer the question, "no".
I have no health coverage. There's a reason I don't do tree/gutter work.
I had a call from a guy asking if I was interested in helping him do some remodeling.
"You're insured, right - in case you step on a nail, or fall off a ladder?" I told him I was not. "Well, it says on your card "Fully Insured".
I corrected him in that it simply says "Insured". "I am
insured - I carry liability insurance as required by law". He then asked what happens if I get hurt. "Well, I'm pretty much screwed", I replied.